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	<title>SportWaiver.com &#187; insurance</title>
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	<link>http://www.sportwaiver.com</link>
	<description>Waivers &#38; risk management for recreation, fitness &#38; sport business</description>
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		<title>Do Sports Leagues Need Workers’ Compensation Insurance?</title>
		<link>http://www.sportwaiver.com/do-sports-leagues-need-workers%e2%80%99-compensation-insurance/</link>
		<comments>http://www.sportwaiver.com/do-sports-leagues-need-workers%e2%80%99-compensation-insurance/#comments</comments>
		<pubDate>Tue, 31 May 2011 21:40:27 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Other Voices]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[sports leagues]]></category>
		<category><![CDATA[worker's compensation]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=2025</guid>
		<description><![CDATA[Thanks to John Sadler for permission to run this article on SportWaiver.com. The article appeared on Sports Insurance Blog and should provide valuable information for many readers.
By John Sadler (Sadler &#38; Company, Inc., Columbia, S.C.)

Are  sports organizations such as leagues ever required to carry Workers’  Compensation insurance in lieu of Accident insurance when workers are  paid? This is a complex issue with some gray areas and some exceptions  to the general rule. However, the consequences can be severe if an  injured worker can successfully argue ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/100-insurance-myths-6-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#6 of 8)'>100 Insurance Myths (#6 of 8)</a></li><li><a href='http://www.sportwaiver.com/before-you-sign-the-sports-facility-lease-agreement/' rel='bookmark' title='Permanent Link: Before You Sign the Sports Facility Lease Agreement'>Before You Sign the Sports Facility Lease Agreement</a></li><li><a href='http://www.sportwaiver.com/before-you-sign-the-sports-facility-lease-agreement-2/' rel='bookmark' title='Permanent Link: Before You Sign the Sports Facility Lease Agreement'>Before You Sign the Sports Facility Lease Agreement</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/do-sports-leagues-need-workers%e2%80%99-compensation-insurance/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part II)</title>
		<link>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-ii/</link>
		<comments>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-ii/#comments</comments>
		<pubDate>Tue, 24 May 2011 16:01:16 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Other Voices]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1982</guid>
		<description><![CDATA[ 
This is the second in a 2-part series by Daniel Hale. The title says it all!
By Daniel Hale
 
5. Online Insurance Carriers Have No Duty To Advise The Policyholders of Coverage Adequacy
 
Most policyholders rely on their insurance agents to provide much needed expertise on technical insurance issues.  In fact, most independent agents strive to develop a personal and long term relationship with each of their policyholders.  This allows the agent to ask pertinent questions about exposures and anticipate the need for policy changes.  Ultimately, this close relationship allows ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-i/' rel='bookmark' title='Permanent Link: TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part I)'>TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part I)</a></li><li><a href='http://www.sportwaiver.com/100-insurance-myths-8-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#8 of 8)'>100 Insurance Myths (#8 of 8)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-ii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part I)</title>
		<link>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-i/</link>
		<comments>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-i/#comments</comments>
		<pubDate>Tue, 17 May 2011 15:47:36 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Other Voices]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1973</guid>
		<description><![CDATA[This 2-part series is authored by Daniel Hale,   a real expert in the field of insurance. Hale is located in Michigan so  some of the considerations relate specifically to Michigan law. It is  important that the reader find out if the reader’s state law is  different.
By Daniel Hale

In today’s online marketplace, the ability for consumers to purchase insurance over the Internet is greater than ever.  With the continued development of electronic security and online bill payment, online insurance transactions are become more and more common.
In 2007, ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-ii/' rel='bookmark' title='Permanent Link: TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part II)'>TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part II)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iii/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part III)'>Buying Property Insurance for your Business (Part III)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-i/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Buying Property Insurance for your Business (Part V)</title>
		<link>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/</link>
		<comments>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/#comments</comments>
		<pubDate>Wed, 29 Dec 2010 17:23:21 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1644</guid>
		<description><![CDATA[ 
One of the most important decisions that a sport- or recreation-business owner and/or manager must make is the purchase of business property insurance. This is the fifth of a five-part series on critical considerations that one faces in the purchase of appropriate and adequate property insurance. The series is authored by Daniel Hale,  a real expert in the field of insurance. Hale is located in Michigan so some of the considerations relate specifically to Michigan law. It is important that the reader find out if the reader’s state law ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part IV)'>Buying Property Insurance for your Business (Part IV)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-ii/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part II)'>Buying Property Insurance for your Business (Part II)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Property Insurance for your Business (Part IV)</title>
		<link>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/</link>
		<comments>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 17:18:06 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1640</guid>
		<description><![CDATA[ 
One of the most important decisions that a sport- or recreation-business owner and/or manager must make is the purchase of business property insurance. This is the fourth of a five-part series on critical considerations that one faces in the purchase of appropriate and adequate property insurance. The series is authored by Daniel Hale,  a real expert in the field of insurance. Hale is located in Michigan so some of the considerations relate specifically to Michigan law. It is important that the reader find out if the reader’s state law ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part V)'>Buying Property Insurance for your Business (Part V)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-ii/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part II)'>Buying Property Insurance for your Business (Part II)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Property Insurance for your Business (Part III)</title>
		<link>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iii/</link>
		<comments>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iii/#comments</comments>
		<pubDate>Mon, 13 Dec 2010 17:12:06 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1636</guid>
		<description><![CDATA[

 
One of the most important decisions that a sport- or recreation-business owner and/or manager must make is the purchase of business property insurance. This is the third of a five-part series on critical considerations that one faces in the purchase of appropriate and adequate property insurance. The series is authored by Daniel Hale,  a real expert in the field of insurance. Hale is located in Michigan so some of the considerations relate specifically to Michigan law. It is important that the reader find out if the reader’s state law ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part V)'>Buying Property Insurance for your Business (Part V)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part IV)'>Buying Property Insurance for your Business (Part IV)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Property Insurance for your Business (Part II)</title>
		<link>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-ii/</link>
		<comments>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-ii/#comments</comments>
		<pubDate>Mon, 06 Dec 2010 17:10:16 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1629</guid>
		<description><![CDATA[ 
One of the most important decisions that a sport- or recreation-business owner and/or manager must make is the purchase of business property insurance. This is the second of a five-part series on critical considerations that one faces in the purchase of appropriate and adequate property insurance. The series is authored by Daniel Hale,  a real expert in the field of insurance. Hale is located in Michigan so some of the considerations relate specifically to Michigan law. It is important that the reader find out if the reader’s state law ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part V)'>Buying Property Insurance for your Business (Part V)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part I)'>Buying Property Insurance for your Business (Part I)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part IV)'>Buying Property Insurance for your Business (Part IV)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-ii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying Property Insurance for your Business (Part I)</title>
		<link>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/</link>
		<comments>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/#comments</comments>
		<pubDate>Wed, 01 Dec 2010 16:37:15 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[coinsurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1623</guid>
		<description><![CDATA[

 
One of the most important decisions that a sport- or recreation-business owner and/or manager must make is the purchase of business property insurance. This is the first of a five-part series on critical considerations that one faces in the purchase of appropriate and adequate property insurance. The series is authored by Daniel Hale, a real expert in the field of insurance. Hale is located in Michigan so some of the considerations relate specifically to Michigan law. It is important that the reader find out if the reader’s state law ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iv/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part IV)'>Buying Property Insurance for your Business (Part IV)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-v/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part V)'>Buying Property Insurance for your Business (Part V)</a></li><li><a href='http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-iii/' rel='bookmark' title='Permanent Link: Buying Property Insurance for your Business (Part III)'>Buying Property Insurance for your Business (Part III)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/buying-property-insurance-for-your-business-part-i/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>100 Insurance Myths (#8 of 8)</title>
		<link>http://www.sportwaiver.com/100-insurance-myths-8-of-8/</link>
		<comments>http://www.sportwaiver.com/100-insurance-myths-8-of-8/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 20:49:38 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Headline]]></category>
		<category><![CDATA[Other Voices]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[insurance agents]]></category>
		<category><![CDATA[insurance carriers]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1414</guid>
		<description><![CDATA[ 
This is the eighth of an 8-part series dealing with insurance myths. We all know that insurance is one of the major risk management tools for any sport, fitness, or recreation business. For many of us, however, insurance is just a big mystery that we entrust to others. After this series, you will know many pitfalls and minefields to avoid. Thanks go to Daniel P. Hale for contributing this series to Sportwaiver.com. Segments 1-3 focused on property insurance, segments 4-5 covered liability insurance, segment 6 addressed workers compensation and ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/100-insurance-myths-7-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#7 of 8)'>100 Insurance Myths (#7 of 8)</a></li><li><a href='http://www.sportwaiver.com/100-insurance-myths-6-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#6 of 8)'>100 Insurance Myths (#6 of 8)</a></li><li><a href='http://www.sportwaiver.com/top-10-pitfalls-of-buying-insurance-on-the-internet-part-ii/' rel='bookmark' title='Permanent Link: TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part II)'>TOP 10 PITFALLS OF BUYING INSURANCE ON THE INTERNET (Part II)</a></li></ol>]]></description>
		<wfw:commentRss>http://www.sportwaiver.com/100-insurance-myths-8-of-8/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>100 Insurance Myths (#7 of 8)</title>
		<link>http://www.sportwaiver.com/100-insurance-myths-7-of-8/</link>
		<comments>http://www.sportwaiver.com/100-insurance-myths-7-of-8/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 20:49:06 +0000</pubDate>
		<dc:creator>djcotten</dc:creator>
				<category><![CDATA[Headline]]></category>
		<category><![CDATA[Other Voices]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.sportwaiver.com/?p=1410</guid>
		<description><![CDATA[ 
This is the seventh of an 8-part series dealing with insurance myths. We all know that insurance is one of the major risk management tools for any sport, fitness, or recreation business. For many of us, however, insurance is just a big mystery that we entrust to others. After this series, you will know many pitfalls and minefields to avoid. Thanks go to Daniel P. Hale for contributing this series to Sportwaiver.com. Segments 1-3 focused on property insurance, segments 4-5 covered liability insurance, and segment 6 addressed two areas ...


Related posts:<ol><li><a href='http://www.sportwaiver.com/100-insurance-myths-8-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#8 of 8)'>100 Insurance Myths (#8 of 8)</a></li><li><a href='http://www.sportwaiver.com/100-insurance-myths-5-of-8-2/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#5 of 8)'>100 Insurance Myths (#5 of 8)</a></li><li><a href='http://www.sportwaiver.com/100-insurance-myths-6-of-8/' rel='bookmark' title='Permanent Link: 100 Insurance Myths (#6 of 8)'>100 Insurance Myths (#6 of 8)</a></li></ol>]]></description>
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		<slash:comments>0</slash:comments>
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